Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$507,609Cash toward the purchase price.
Closing costs + prepaids$13,994Not just lender fees.
Before credits & paid funds$521,602The complete starting cash picture.
Estimated remaining funds due at closing
$521,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$507,608.54
Your down payment$507,608.54
Closing costs + prepaids$13,993.61
Total buyer cash needed$521,602.14
Remaining funds due$521,602.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$861.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$426.50
Prepaid interest, first (26 days)$437.16
Fees + prepaids$13,993.61
Your down payment is the seller’s equity. You take over the $172,390 balance, so the rest of the $679,999 price is paid at closing. A second mortgage can cover part of it. $521,602.14 is due at closing. Uses and sources reconcile at $693,992.61 each. Not a Closing Disclosure.